Homeowner Protection Program for Chattanooga Families
Facing Foreclosure? Behind on Payments?
You Can Stay. We'll Handle It.
We can handle past-due payments and liens, so you don't need to leave your home. We offer options that let you stay as an owner or a tenant while you get back on track!
Two Paths To Stay In Your Home
Stay As An Owner
We pay off your past-due mortgage payments, liens, and costs and give you time to stabilize and refinance. You keep your equity and path to full ownership.
Stay as a Tenant
Want to shed the burden of ownership but still stay in your home and neighborhood? We purchase the property and lease it back to you at a fair stable rate.
Three Simple Steps
Fill out the form or give us a call. We'll have a real conversation to understand your situation, no pressure, no judgment. We're here to listen and help you see your options clearly.
We look at the property situation and see if that's a good fit. Our streamlined process means you'll know where you stand quickly, usually within 24–48 hours
We handle the past-due amounts and set up the arrangement that fits your goals. You stay in your home — as an owner or tenant — while we take foreclosure off the table for good.
The fear of foreclosure isn't just about losing a house — it's about losing your community, your children's schools, your stability. We get that. That's why our program is designed around one simple promise:
You don't have to go anywhere.
- We cover past-due mortgage payments
- We pay off tax liens and judgments
- We handle HOA dues and other encumbrances
- We put cash in your pocket at closing
- Your monthly payment stays the same — no surprises
Have questions about how this works for your specific situation? We want to hear from you. No question is too small. Call us or fill out the form — we'll walk you through every detail.
You Don't Have to Figure This Out Alone.
FAQs
If something is not answered here, please reach out directly. We want to help you understand your options.
Can I really stay in my home even if I'm in foreclosure?
Yes — that's exactly what this program is designed for. As long as foreclosure hasn't been finalized, we can typically step in, cover what's owed, and keep you in the home either as an owner with a buyback path or as a tenant in a lease-back arrangement.
What is the difference between staying as an owner vs. a tenant?
As an owner, we help you clear the debt burden and give you time (typically up to 17 months) to refinance and fully reclaim the property you keep your ownership stake. As a tenant, we purchase the home from you (stopping foreclosure and putting cash in your pocket), then lease it back so you stay put with no disruption to your life. We'll walk through both options with you so you can choose what fits.
What bills or debts can you help pay off?
We commonly cover past-due mortgage payments, property tax liens, HOA fees, mechanic's liens, and other judgments attached to the property. Every situation is a little different just tell us what you're dealing with and we'll give you a straight answer.
Is Chattanooga Property Solutions legitimate? How do I know this is real?
That's a fair and smart question, and we respect you for asking it. H.O.P.P. is a real, documented program with real results for real families. We're a local Chattanooga business. You can come into our office and speak with our team (plus we can meet you in your home), read our reviews, and take all the time you need. No pressure, ever.
©2026, Chattanooga Property Solutions
Disclosure Statement: Thomas DeMoss, principal in Chattanooga Property Solutions LLC is a licensed real estate agent in Tennessee brokered by eXp Realty 3200 West End Ave. St. 500 Nashville, TN 37203 (888) 519-5118
Phone:
(423) 454-3070
Location:
5442 Hixson Pike, Hixson, TN, 37343